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🎮 Wealthonauts game · Ages 10+

Unlock your dream home

Mortgage Mission: A Mortgage Calculator for Kids and Teens

Change the home price, down payment, interest rate and loan term to see the loan principal, monthly payment, total interest and equity over time.

  • 🆓 Level 1 free
  • 🏆 5 levels · 15 stars
  • 🎯 Loans, interest and home equity
  • 🪙 Pretend money only

▶ Play nowUnlock all levels · $99

Mortgage Mission game art

How to play

  1. 1Pick a home: a cottage, a family house or a big house.
  2. 2Choose a down payment (5%, 10% or 20%) and a 15- or 30-year loan.
  3. 3Watch the monthly payment and total interest change.
  4. 4Press “Buy it and play the loan” to watch the balance shrink and your share of the home grow.

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Simulation only: all money, companies and prices are fictional. No real money, accounts or trading are involved, and nothing here is financial advice.

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A mortgage calculator for kids that teaches, not sells

Mortgage Mission is a mortgage calculator for kids and teens. Learners change a pretend home price, down payment, interest rate and loan term. Then they see the loan principal, the monthly principal-and-interest payment, the total interest and how equity grows year by year.

Property Planet illustration for the mortgage calculator for kids

What learners discover

  • A bigger down payment means a smaller loan
  • A higher rate means much more total interest
  • A shorter term means higher payments but far less interest
  • Early payments are mostly interest; later ones are mostly principal
  • Taxes and insurance are extra costs on top of the loan payment

Clear assumptions

The calculator assumes a fixed-rate loan with equal monthly payments and no extra payments or fees. It shows principal and interest separately from property taxes and insurance, which are rough estimates you can change. Real loans may also include mortgage insurance and closing costs.

Learn the vocabulary first in Mortgage vs. Deed of Trust.